The American five-lined skink is small to medium-sized, growing to about 12.5 to 21.5 centimetres (4.9 to 8.5 in) total length. Young five-lined skinks are dark brown to black with five distinctive white to yellowish stripes running along the body and a bright blue tail. The blue color fades to light blue with age, and the stripes also may slowly disappear. The dark brown color fades, too, and older individuals are often uniformly brownish. The southeastern five-lined skink, P. inexpectatus, of the Southeastern United States is very similar to this species and there is some overlap in range. The two species can be distinguished by their scales.[4] The broad-headed skink, P. laticeps, is similar, and may be difficult to distinguish from P. fasciatus. The former species usually lacks the two enlarged postlabial scales characteristic of P. fasciatus.[5] Adult male broad-headed skinks, with their large size and swollen red head, are readily distinguished from P. fasciatus.[6]

The range of the five-lined skink extends in the north to southern Ontario, Michigan and eastern New York. The western border is in Minnesota, Missouri and eastern Kansas, Nebraska, Oklahoma, Florida, and Texas. These skinks tend to be most abundant on the coastal plain in the southeastern United States and along the Gulf Coast. They have now been seen in increasing numbers in the northern Chesapeake Bay Region of Maryland particularly along the shores of the Elk River.[citation needed]

They are listed as "special concern" in Ontario by COSEWIC,[7] and it is illegal to remove skinks from their habitats in Canada. Skinks are at the extreme edge of their habitat range in Canada, which makes it an area of special interest to ecologists, as extreme conditions place unique evolutionary pressures upon species. Five-lined skinks have split into two phylogenetically-distinct populations in this edge habitat: the Carolinian population, also present in the United States, ends around Point Pelee National Park in southern Ontario. The St. Lawrence / Great Lakes population resides in the Ottawa Valley in eastern Ontario and tends to be more tolerant to sparse or rocky conditions than its sister subspecies.[8]

Five-lined skinks are ground-dwelling animals. They prefer moist, partially wooded habitat that provides ample cover or inside walls of buildings as well as sites to bask in the sun. They can also be found in broken, rocky areas at the northern edge of their habitat.

Fertilization in five-lined skinks is internal, with eggs laid by the female between the middle of May and July, at least one month after mating.

Females lay fifteen to eighteen eggs in a small cavity cleared beneath a rotting log, stump, board, loose bark, a rock, or an abandoned rodent burrow.[9] Females prefer secluded nest sites in large, moderately decayed logs. Soil moisture is also an important factor in nest selection. Females often place nests in regions where soil moisture is higher than in adjacent areas. Vertical position of the nest also varies with moisture, with nests located deeper in a soil cavity at dry sites. Even when nesting sites are not limited, a significant amount of aggregation occurs.

The parchment like eggs of five-lined skinks, similar to many other reptiles, are thin and easily punctured. Freshly laid eggs range from spherical to oval in shape averaging 1.3 cm in length. Absorption of water from the soil leads to increased egg size. Egg coloration also changes over time, from white to mottled tan, after contact with the nest burrow. The incubation period ranges from 24 to 55 days, and varies due to fluctuations in temperature. Females typically brood their eggs during this time, exhibiting defensive behavior against smaller predators. Parental care ends a day or two after hatching when hatchlings leave the nest. Young five-lined skinks, with a potential life span of up to six years, attain sexual maturity and begin reproducing within two to three years of hatching.[10]

Adult male five-lined skinks exhibit complex courtship and aggressive behavior. Although males tolerate juveniles and females in their territories, they actively defend these areas against other males. Vomeronasal analysis of chemical cues and recognition of sex specific visual stimuli, including tail and body coloration, aid in the identification of gender. Evidence suggests that males may rely more on contact pheromones than volatile airborne molecules in the identification of conspecifics. Courting males grasp the necks of receptive females in their jaws after approaching them from the side. Using the tail to align cloacal openings, males initiate copulation by inserting one of the two hemipenes into the female's cloaca. Copulation events typically last four to eight minutes.

Female five-lined skinks demonstrate high levels of parental care which reduces egg mortality. Females exhibit several brooding positions of variant contact levels with the body placed beside, over, through, or in a coil around the eggs. Brooding position varies according to soil moisture. Maternal body contact increases at lower moisture levels potentially reducing transpirational loss of the eggs. In communal nests, females may alternate foraging and guarding of the nests, leaving eggs protected at all times. Females may also urinate in the nests and turn eggs to maintain humidity. In addition, females transfer heat from basking through body contact. Any eggs displaced from the nest are retrieved by head or snout rolling, and rotten eggs are eaten.

Five-lined skinks also exhibit antipredation behavior. In evasion of various predators including snakes, crows, hawks, shrews, moles, opossums, skunks, raccoons, and domestic cats, skinks may disconnect their entire tail or a small segment. Skinks run to shelter to escape their distracted predators as the disconnected tail continues to twitch. Skinks may also utilize biting as a defensive strategy.[10]

Five-lined skinks can be maintained in captivity with minimal care.[citation needed] Note, however, some U.S. states impose general restrictions on taking reptiles including native five-lined skinks from the wild without a permit or hunting license, for example, Maryland, Indiana and Ohio: [1][2][3]